Help with your expenses

Illness and injury might make it harder to earn an income and pay your bills.

We’re here to help.

Depending on your circumstances, you may want to consider loan-related assistance to help cover medical costs.

Do you already have a loan or credit card with us? Are you having difficulty with the payment? Talk to us about repayment assistance.

You can also learn about five steps for when things don’t go to plan and discover the help and support available to you.

Help with your income

You could be entitled to a variety of payments from the government, your employer and your insurance.

Government payments

If you’re eligible, these government payments, opens in new window and support services could help:

Employer payments

In some cases, you’ll need to take time off work. It can pay to know if you’re entitled to any sick and/or carer’s leave, opens in new window from your employer.

Insurance ­payouts

Call your insurance provider to find out if you can make a claim.

You may also have:

Talk to your insurance, super and financial services providers to find out if (and how) you can make a claim for your illness or injury.

Early super withdrawal

If you're sick or injured, you might be able to access some of your super now, in order to help pay everyday and medical expenses. Learn more about accessing your super early, opens in new window.

Set up your finances for the unexpected

It's hard to predict the future. Setting up comprehensive financial plans is the best way to help ensure you’re protected, should something unexpected happen.

You could consider taking out life insurance. That way, you’ll get help if something unexpected happens. Visit your NAB branch or call 13 29 28 to learn more.

Taking care of your mental health

Coping with illness or injury can be difficult, so it’s important you look after your mental health.

Support from loved ones

When you’re unwell or injured, not wanting to see anyone, or do anything, is very normal. But it's important to remember that talking to (and spending time with) your family and friends is essential for your mental wellbeing.

Support from your GP

You may need your doctor’s one-on-one support now, or sometime in the future. It’s comforting to know you can always talk openly and honestly about your physical and mental health with your GP.

Mental health awareness

Learn about the signs of depression and anxiety, opens in new window so you’re aware of symptoms you may experience when ill or injured.

Support services

Find out about counselling and support services now. You can access them any time if you’re feeling down, or having a hard time coping.

NAB Assist

We’re here for you.

You can call NAB Assist on 1800 701 599 if you need any help keeping up with your repayments, or if you’re worried about future payments.

We're ready to help

Not sure what to do next?


Income protection insurance

Financial protection, opens in new window you pay for now so that if you’re unable to work for the reasons agreed in your policy, you may be able to claim the agreed financial compensation from your insurance provider.

Total permanent disability insurance

Financial protection you pay for now so that if you suffer from a total permanent disability, you may be able to claim the agreed financial compensation from your insurance provider, as agreed in your policy.


Super is a regular payment made into a super fund by an employee towards a future pension. For most people, your employer must pay an amount equal to 9.5% of your salary into your super fund account. Your super savings can be self-managed, or controlled by the superannuation fund of your choice.

NAB Assist

If you’re a NAB customer, and you're struggling to keep on top of your repayments for your loan or credit cards, you can call 1800 701 599 to discuss how NAB may be able to assist. Learn more about NAB Assist.

Call NAB Assist on 1800 701 599. We're available Monday to Friday, 8:00am to 8:00pm (AEST/AEDT) or Saturday, 9:00am to 1:00pm (AEST/AEDT) or visit your nearest NAB Branch. 

Other life moments

Other resources and support

Get in touch

If you're experiencing a change in your circumstances, require financial hardship assistance, or think you might need help in the future, please contact us.

Request financial hardship assistance

If you’re having trouble making your repayments, you can request assistance.

Call NAB Assist Team

Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)

1800 701 599

Important information

The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial and taxation advice before acting on any information in this article.